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| Delray Beach | | Healthy people have the best | | Nonadmitted Insurer: An insurer not |
| Rockville | | mortality risks and thus are much | | licensed to do business in the |
| Newark | | cheaper for companies to insure. This | | jurisdiction in question. Same as |
| Santa Barbara | | translates into lower rates for the | | Unauthorized Insurer and Unlicensed |
| Scottsdale | | Super Preferred customer than | | Insurer. |
| Valdosta | | someone with higher risk factors such | | |
| Midland | | as a heart condition, cancer or | | Mutualization: The process of |
| Tempe | | diabetes. Conversely, if you were | | converting a stock insurer to a mutual |
| Jonesboro | | unhealthy when you acquired your | | insurer, accomplished by having the |
| San Antonio | | policy, and your health has now | | insurer buy stock and retire it. |
| Cranston | | improved, it might be time to shop for | | |
| Portland | | a new policy, as your rates are likely | | Collusion: An agreement, usually |
| Quincy | | to be lower. | | secret, between two or more persons |
| Thousand Oaks | | | | to defraud or deprive another or |
| Hickory | | Everyone has different needs, and | | others of their property or rights. |
| Coral Springs | | not one size fits all when it comes to | | |
| Santa Clara | | term life insurance. While it may make | | Preferred Risk: Any risk considered |
| Ogden | | sense for people in their 30s and 40s | | to be better than the standard risk on |
| Fullerton | | to secure a 20-year term length, a | | which the premium rate was |
| Council Bluffs | | 10-year term might be more | | calculated. |
| Elkhart | | appropriate for someone nearing | | |
| St. Paul | | retirement. | | Agent's Balance: A periodic |
| Stamford | | | | statement of the sums due and owed |
| Texarkana | | We offer quotes for auto insurance, | | to an agent under the agent's contract |
| Providence | | life insurance, homeowners | | with an insurer. |
| Harrisburg | | insurance, health insurance, term life | | |
| Evansville | | insurance and more. | | FICA. Federal Insurance Contributions |
| Milwaukee | | | | Act: A law imposing a payroll tax to |
| Austin | | People who are trying to quit | | assist in funding Social Security |
| Schaumburg | | smoking, for example, might be best | | benefits. |
| Glendale | | suited purchasing a shorter term (and | | |
| Lancaster | | then replacing it with a longer term | | Line of Business: The classification of |
| Clinton Township | | policy when they qualify for | | business as utilized in the insurance |
| Gaithersburg | | non-tobacco prices). | | industry, e.g., Fire, Allied Lines and |
| Santa Monica | | | | Homeowners. |
